Karen Ann Martin~Realtor Fall River Mass & Westport MA Homes for Sale

Safe Harbor Realty 780 Main Rd Westport, Mass 02790
Helping Home Buyers & sellers in MA & Rhode Island since 2003


Cell Phone: /Text 774.930.8181
Email: Karen@KarenMartinHomes.com


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Free Credit Report


Every precaution you can take to protect your credit is important.
For a Free credit report (really free) go to 
    www.annualcreditreport.com
Where the 3 major credit reporting agencies will provide you with a free report just for
asking once a year. Thats one every 4 months if you want it & you should to check for accuracy. Call(877) 322-8228 to get reports by mail. 
 Get your Credit Score for free visit  www.creditkarma.com   I love this site its quick & easy ! & did I mention Free 

To sign your credit cards or not?
Major credit card companies advise you to sign your card as many vendors will not accept an unsigned card. The companies also advise you to write (CID) after your name. This stands for check ID. So if your card is stolen the clerk will ask for ID and the thief will be caught. 
Karen Martin Realtor Helping Home buyers and sellers with their Real Estate needs since 2003


How to Improve Credit Scores to Qualify for a Loan


Here are a few ways people with a negative credit history can raise their credit scores and ultimately obtain financing for a new mortgage loan:

Improve payment history by making payments on time


Do not open new lines of credit Use credit cards sparingly, and without overextending credit lines


Make payments in full Have up to four different kinds of credit accounts


Show evidence of steady employment for a period of one to two years


Come up with a budget plan and stick to it


Build up savings


Insider's tip: Credit experts advise not spending more than 25 percent of your available credit on any credit card account. If you have a $1,000 maximum in a given account, the balance should not be more than $250-$300. Better yet, wipe the slate clean and carry no balance whatsoever.


   


Servicing: Acushnet, Berkley, Dartmouth, Dighton, Fairhaven, Fall River, Freetown, Freetown-Assonet, Lakeville, Little Compton, Marion, New Bedford, Portsmouth, Rehoboth, Seekonk, Somerset, Swansea, Taunton, Tiverton, Wareham, Westport, Westport-Westport Point